Will Chase Allow an Over-Credit-Limit Charge to Go Through if There's a Credit Bal?
Sep 15, 2017, 11:07 pm
#16
Join Date: Jul 2013
Location: IAH
Posts: 488
So while I'm happy for RNE, I'm very curious about the answer for this. At some point I will have large charges that will outdo my credit limit (and I don't particularly want to have a credit limit that large). I definitely want to maximise rewards for this - if the vendor will not work with me for split card payments, is there anyway around this?
Sep 16, 2017, 9:32 am
#17
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Yes, see post 2. It's often mentioned that the NPSL feature of VISA Signature/Infinite (and MasterCard World/World Elite) cards will allow spending at 3X the revolving limit, but I do not know the source of that number -and- I am confident that there is substantial variation based on the age of your relationship with the issuer, spending pattern, and known income.
Sep 16, 2017, 6:56 pm
#18
Join Date: Oct 2010
Location: Santa Barbara, CA
Posts: 1,277
This doesn't exactly answer your question because you want UR, but maybe consider the Amex Business Platinum. It earns 1.5x on any purchase over $5000, but of course they'll be MR and not UR. It is a charge card, though, so there's no preset limit.
Edit to add: My credit limit across all my Amex credit cards is $43,500. (I just canceled my personal Platinum today.)
Edit 2: I see you've found a workaround anyway. Have fun with those UR!
Edit to add: My credit limit across all my Amex credit cards is $43,500. (I just canceled my personal Platinum today.)
Edit 2: I see you've found a workaround anyway. Have fun with those UR!
Sep 16, 2017, 11:54 pm
#19
Join Date: Jul 2013
Location: IAH
Posts: 488
Yes, see post 2. It's often mentioned that the NPSL feature of VISA Signature/Infinite (and MasterCard World/World Elite) cards will allow spending at 3X the revolving limit, but I do not know the source of that number -and- I am confident that there is substantial variation based on the age of your relationship with the issuer, spending pattern, and known income.
Sep 17, 2017, 4:09 am
#20
Join Date: Sep 2013
Posts: 401
Wouldn't this just be a de facto debit card connected to a checking account that's linked to some secondary checking/savings account?